St. Clair County property record for 538 N 2nd St, Saint Clair, MI 48079 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,314 sqft · built 1996 |
| Lot Size | 0.227 acres (9,888 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $470,000 (Aug 2025) |
| Tax Bill | $4,744 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 74-07-360-0007-502 |
| Primary APN | 74-07-360-0007-502 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,314 sqft Living Area |
| 1st Floor Area | 1,280 sqft |
| Basement Area | 1,038 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 9,888 sqft (0.227 acres) |
| Lot Dimensions | 90 ft deep x 110 ft wide |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 538 N 2ND ST |
|---|---|
| City | SAINT CLAIR |
| State | MI |
| Zip | 48079-5490 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 & LOT 3 HODGSON'S SUBD OF FIVE ACRE LOT 40 |
| Legal Subdivision | HODGSONS SUBD |
| Legal Lot Number | 3,7,40 |
| Legal Unit | 7,3,40 |
| Jurisdiction | SAINT CLAIR MI |
| Township / Civil Division | ST. CLAIR |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 642000 |
Source: St. Clair County records · APN 74-07-360-0007-502
Assessment roll updated October 7, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 19615 BUREN PL, CASTRO VALLEY, CA 94552-5264 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Sep 26, 2022 | Warranty Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL INC |
| Dec 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GENISYS CU |
| Dec 28, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Jan 28, 2019 | Quit Claim Deed, Transfer · Conventional Mortgage GENISYS CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 19, 2025 · Amount on Record |
| Deed Sale | Aug 19, 2025 · Amount on Record |
| Prior Sale | Sep 26, 2022 · Amount on Record |
| Deed Document Number | 202515505 |
| Deed Book / Page | 5842 / 181 |
| Prior Transfer Date | Apr 14, 2011 |
| Prior Transfer Doc | 004205/253 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Sep 26, 2022 |
| Property Address | 538 N 2ND ST, SAINT CLAIR, MI 48079-5490 |
| Document Number | 0005564826 |
| Book / Page | 5564 / 826 |
| Map Reference | LB D PG 38 |
| Instrument Date | Sep 06, 2022 |
| Instrument | 2022022235 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2022 |
| Title Company | LIBERTY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,317.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 538 N 2ND ST, 538, SAINT CLAIR, MI 48079-5490 |
| Name | Verified Name |
|---|---|
| Address | 538 N 2ND ST, SAINT CLAIR, MI 48079-5490 |
| Document Number | 2022022236 |
|---|---|
| Date | Sep 26, 2022 |
| Instrument | 2022022236 |
| Name | MICHIGAN MUTUAL INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 538 N 2ND ST, SAINT CLAIR, MI 48079-5490 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 538 N 2ND ST, SAINT CLAIR, MI 48079-5490 |
| Document Number | 5293165 |
|---|---|
| Date | Dec 23, 2020 |
| Book Page | 5293/165 |
| Instrument | 2020032695 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | AUBURN HILLS, MI 48326 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Property Address | 538 N 2ND ST, SAINT CLAIR, MI 48079-5490 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 5020247 |
|---|---|
| Date | Dec 28, 2018 |
| Book Page | 5020/247 |
| Instrument | 2018028388 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 19, 2043 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAINT CLAIR MI |
| Recording Date | Jan 28, 2019 |
| Property Address | 538 N 2ND ST, SAINT CLAIR, MI 48079-5490 |
| Document Number | 0050260620 |
| Book / Page | 005026 / 000620 |
| Instrument Date | Jan 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 528 N 2ND ST ST CLAIR MI 48079, ST CLAIR, MI 48079 |
| Document Number | 50260623 |
|---|---|
| Date | Jan 28, 2019 |
| Book Page | 005026/000623 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Address | AUBURN HILLS, MI 48326 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 27, 2049 |
Source: St. Clair County records · Assessment roll updated October 7, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | St. Clair County |
| Municipality | St. Clair City |
| Unified School District | East China School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,744.00 (-7.49%) Homeowner's exemption | $163,400 (+32.09%) | |
| 2024 | $5,128.00 (+26.84%) | $326,800 (+32.09%) | |
| 2023 | $123,700 | ||
| 2022 | $4,043.00 | $247,400 |
Source: FEMA National Flood Hazard Layer, St. Clair County (26147C), updated July 20, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 261476420004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 434 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Xfinity | Cable | 1,200 / 35 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: AT&T, Duke Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.
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